Email Taking aim at a longstanding rite of passage for year-olds, an influential auto safety group is calling on states to raise the age for getting a driver's license to 17 or even Adrian Lund, president of the Insurance Institute for Highway Safety, a research group funded by the auto insurance industry, acknowledged the idea is "a tough sell," but noted that car crashes are the leading cause of death among teenagers. Not surprisingly, a lot of teens hate the idea.
Peace of mind that everything is covered. Security of personal data.
Cost Contrary to popular consumer belief we found that broker pricing was actually better than direct insurance pricing. The reason for this seems to be principally due to insurers providing different rates to brokers, in order that premiums are lower. Why would insurers provide special broker pricing?
Brokers are professionally trained to choose the right policy for their customers, and not to under insure, therefore avoiding unnecessary claims while maintaining the correct premium income.
Ease Many of the consumers in our test case were surprised here. At least half began our test with the impression that buying policies directly would be the easiest option for them.
After trying both, almost all had changed their mind. Whilst the online experience usually proved more pleasant than the phone, most brokers offered an online service, and were far, far more pro-active after they received the initial quote request from the consumer, often answering queries by personal email or call and helping to reassure customers with a human service.
Furthermore, most direct services completely fell down when queries or changes were required that were less common, particularly later in the policy life cycle.
Brokers really shone through here. Speed The results here were quite evenly balanced. In the case of the time taken to generate initial quotation figures, direct services online were consistently very quick, while some brokers answered quote requests by personal follow up.
The difference however was somewhat reversed when it came to mid term changes, documentation requests and one off queries.
The direct services often fell back to large call centres whose staff had little or no real insurance knowledge. In this areas brokers were more efficient, making suggestions our consumers found highly useful, saving them lots of time.
On balance, the speed at which quotes were produced by the direct services was not significant to our consumers when compared to the speed and efficiency with which brokers generally managed their policies throughout the policy life cycle.
Peace of mind that everything is covered We saw few surprises here. Brokers were largely far more efficient at cross checking policies than consumers, and also very good at educating their customers, explaining what types of cover were available and answering queries. The really good Direct services centred around only covering the low risk policies, and leaving any consumer with non-standard requirements high and dry.
Security of personal data This was a difficult one to test, and fell largely to our technical team. We did however take into account how consumers felt about their data security after using the various services.
In the case of Internet based services, the direct services tended to follow security guidelines marginally better than broker services, mainly due to the size of the organisations involved and lack of good software on the part of some brokers.
On the phone however, we saw a different story. Brokers, being far better equipped to deal with specific insurance questions and used to a human discussion, gave people a stronger feeling that they were in safe hands.
The process of securing personal data was much the same as with direct, but the trust conveyed by brokers was better.
Summary of Results So who won? Our recommendation to all would be to trust your broker, let him shop for you, and you will likely reap dividend, whilst living an easy life!Should the Legal Driving Age Be Raised?
Essay Words | 3 Pages. The big debate as to whether the legal driving age should be raised to eighteen is an ongoing issue. There are both arguments for and against this matter. But here is the most powerful argument of all: the figures suggest that raising the driving age could cut annual road deaths by as many as 1, Think how much suffering would be spared.
But, for a variety of reasons, we doubt that will happen anytime soon, if ever. The roads almost certainly would be safer without and year-olds behind the wheel. Consumers generally think they benefit when they buy insurance direct but is it true? To find out, we’ve asked people what matters to them when buying insurance, and in turn our panel used those criteria to evaluate the differences between buying insurance via a broker and buying direct online.
Why do consumers hate the middle Continue reading. Marijuana is Safer: So Why Are We Driving People to Drink? 2nd Edition [Steve Fox, Paul Armentano, Mason Tvert] on lausannecongress2018.com *FREE* shipping on qualifying offers. In , voters in Colorado shocked the political establishment by making the use of marijuana legal for anyone in the state twenty-one years of age or older.
In the wake of that unprecedented victory. Risk is the potential of gaining or losing something of value. Values (such as physical health, social status, emotional well-being, or financial wealth) can be gained or lost when taking risk resulting from a given action or inaction, foreseen or unforeseen (planned or not planned).Risk can also be defined as the intentional interaction with uncertainty.